If you own a Schwab Platinum card, you can deposit your points directly into your Schwab brokerage account for a value of .0125 cpp at any time. Cash, immediately withdrawable. Also allowed and sanctioned by Amex. So simple and painless compared to selling points, with all the hassles of transferring, allowing account access, adding users, payments, trust, privacy issues, etc. plus risking Amex's wrath.